Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 11, 2020

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Key takeaways...

  • Everyone’s need for car insurance coverage is different
  • Marital status, credit score, and driving history all impact your monthly premium
  • Before purchasing, make sure you check your state’s minimum requirements

One of the most common questions people have when considering the purchase of a new or used car is: “Who provides the best car insurance?”

Of course, “best” is a highly subjective term, entirely dependent upon who you are, what you’re looking for, your price range and your location.

Depending on a variety of factors you don’t even control, such as your credit score, age, gender, the crime rate in your neighborhood or other demographic information, an insurance provider may offer higher or lower prices.

The only way to figure out which car insurance provider is the best is to do research. So let us do the research for you!

Enter your zip code above into our FREE car insurance comparison tool and get quotes instantly!

Table of Contents

Where should I begin?

The best way to start figuring out the best car insurance provider is to always mentally add the words, “for me” on the end of that phrase.

The best car insurance provider for you is the one that gives you everything you need and most of what you want for as cheap a price as possible.

You should begin your search by brainstorming everything you want and need from your car insurance.

These may include:

  • High personal liability limits
  • Safe driver discounts
  • Low Premiums
  • Uninsured/Underinsured Motorist protection
  • Easy Payment System
  • Friendly representatives
  • No credit check
  • Other Perks

Just write a list of what is important to you when it comes to insurance. If this sounds like you, your list may look something like having the cheapest car insurance possible!

However, as you will soon see, just because your list is simple doesn’t mean it’s easy to find the best car insurance provider for you.

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Where can I find the best car insurance provider?

Finding the best car insurance provider takes time on the phone and on the computer.

Car insurance sites don’t typically show how much their insurance prices are unless you invest several minutes to an hour filling out forms and getting a quote.

The reason it takes so long is that car insurance companies need a lot of information in order to figure out your level of risk for them.

Car insurance providers calculate risk differently.

Don’t just go by what your friends say because what they think is an expensive company may be cheap for you. Insurance prices are generally determined on a case-by-case basis.

Once you have your list of desired qualities, visit every car insurance company you can think of. You should always be sure to keep a detailed list of everything you figure out.

Setting up a spreadsheet on your computer can be handy if you want to keep it neat.

Your list should include the following:

  • Price
  • Liability/Damage Limits
  • Other types of insurance
  • Additional Perks

Additionally, if you speak with someone on the phone, be sure you take notes on their demeanor.

While you might have gotten someone on a bad day, you don’t want to take a chance with poor service, especially if you think you may have to spend more time than usual talking with your car insurance provider.

Good service can make or break your experience with an insurance company, but it is one of those things that is extremely difficult to quantify.

Be sure you take notes only on car insurance costs that relate to your area, your vehicle, and your credit history.

Insurance costs can vary radically from state to state, county to county and even street to street if your particular neighborhood has a reputation as a high-crime area.

Helpful Online Resources

Chances are, someone else wanted to know the best car insurance provider before you did. That person probably developed a comparison site.

Do some research on the nature of state car insurance in your state. Certain states use different rules for car insurance than other states.

For instance, if your state is a no-fault state, you may want to invest in additional liability and property damage coverage, as you will be required to pay for your car’s repairs whether or not you were following the rules of the road.

If you live in a state where car insurance is especially expensive, you may want to invest in additional uninsured motorist protection coverage, as there will be more people driving around without insurance.

If your state suffers from natural disasters, you may want to look into comprehensive coverage, which will insure your car against any weather, crime or non-traffic related damages.

You want to choose the car insurance plan that provides the best fit for you. Find the best car insurance provider today with our FREE zip code search! Enter your zip code below to get started!

References:

  1. https://www.amica.com/en/products/auto-insurance/discounts/defensive-driver-discount-program.html
  2. https://www.esurance.com/info/car/uninsured-and-underinsured-coverage
  3. https://www.statista.com/statistics/675367/annual-auto-insurance-premiums-usa-by-state/
  4. https://www.iii.org/article/background-on-no-fault-auto-insurance
  5. https://www.progressive.com/lifelanes/liability-coverages-explained/